Hello Sir, we have following mutual fund , kindly suggest which ones to exit, continue or hold from the following : (1)KOTAK EQUITY HYBRID FUND - REGULAR PLAN - IDCW Rs 30845.13 (2) NIPPON INDIA TAX SAVER ELSS FUND - IDCW PLAN Rs 50000 (3) IDFC Banking and PSU Debt Fund Regular Plan Growth Rs 49997.5 (4) SBI SMALL CAP FUND REGULAR GROWTH Rs 289985.58 (5) ICICI PRUDENTIAL VALUE DISCOVERY FUND - IDCW Rs 65000 Thank You !!

Ans:

Ans: You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

ELSS: Suitable options considering quality and value for money at present levels are Motilal Oswal Long Term Equity – Growth

Ans: Your current mutual fund portfolio reflects a thoughtful mix of investments. Here's a detailed evaluation to help you decide whether to continue with them or make adjustments.

One-Time Investments
ICICI India Opportunities Fund - Growth

This fund focuses on capturing opportunities in various sectors. It is suitable for investors with a high-risk tolerance and long-term horizon. If you fall into this category, continue holding this fund.

ICICI Value Discovery Fund - Growth

This fund aims to discover undervalued stocks. It has a good track record but requires patience. If you can handle short-term volatility, it’s a good hold for long-term gains.

ICICI Transportation & Logistics Fund - Growth

This sectoral fund targets the transportation and logistics sector. Such funds can be volatile and are suitable only if you have high sectoral conviction. If not, consider reallocating to more diversified funds.

Systematic Investment Plan (SIP) Monthly
Axis Flexi Cap Fund - Regular Plan

A flexi cap fund offers diversification across various market caps. This fund is known for its stable performance. Continue your SIP in this fund for balanced exposure.

Canara Robeco Emerging Equities - Regular Plan

This fund focuses on emerging companies with growth potential. It’s a good choice for aggressive investors. If your risk appetite supports it, continue this investment.

Aditya Birla SL Focused Equity Fund(G)

Focused funds invest in a limited number of stocks, offering high growth potential but also higher risk. If you can withstand market fluctuations, this fund can be a valuable part of your portfolio.

HDFC Mid-Cap Opportunities Fund(G)

Mid-cap funds invest in medium-sized companies with high growth potential. This fund is well-regarded for its consistent performance. Continue your SIP for long-term wealth creation.

ICICI Pru Bluechip Fund(G)

Bluechip funds invest in large, well-established companies. They offer stability and moderate returns. This fund is a good choice for conservative investors seeking steady growth. Continue your investment.

Axis Small Cap Fund - Regular Plan

Small cap funds invest in smaller companies with high growth potential but also higher risk. If you have a high risk tolerance and a long-term horizon, continue this SIP.

ICICI Prudential Technology Fund - Growth

Technology funds can be volatile but offer high growth potential. If you believe in the long-term growth of the tech sector, continue this investment.

HSBC Midcap Fund

Midcap funds are suitable for investors looking for higher returns and willing to accept moderate risk. This fund has a good track record. Continue your SIP for potential high returns.

ICICI Pru Multi-Asset Fund - Growth

This fund invests across various asset classes, providing diversification and reducing risk. It’s a balanced choice for moderate-risk investors. Continue your investment for diversified growth.

ICICI Pru Value Discovery Fund - Growth

As mentioned earlier, this fund focuses on undervalued stocks. If you have patience and a long-term horizon, it remains a good choice.

Recommendations for New Investments
Based on the current market trends and performance, consider these high-performing funds for new investments:

Large Cap Fund

Investing in large-cap funds provides stability and consistent returns. These funds are less volatile and are a good option for conservative investors.

Mid Cap Fund

Mid-cap funds offer a balance between risk and return. They are suitable for investors looking for higher growth without the high volatility of small caps.

Balanced Advantage Fund

These funds dynamically allocate assets between equity and debt, based on market conditions. They offer stability and moderate growth, suitable for conservative to moderate investors.

International Equity Fund

Investing in international equity funds can provide geographical diversification and hedge against domestic market volatility.

Conclusion
Your current portfolio is well-diversified and has a mix of sectors and market caps. Most of your investments are performing well and align with long-term growth strategies. By adding a few new high-performing funds, you can enhance your portfolio’s performance and diversification.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: You have invested in various mutual funds for 9 months.

Your portfolio includes HDFC Transportation and Logistics Fund, Tata Multicap Fund, Tata Nifty India Digital ETF FOF, Bandhan Financial Services Fund, and Mirae Asset Multi Asset Allocation Fund.

Assessing Each Fund
HDFC Transportation and Logistics Fund

Sector-specific fund focused on transportation and logistics.
High risk due to sector concentration.
Suitable for aggressive investors.
Tata Multicap Fund

Invests across large, mid, and small-cap companies.
Diversified portfolio reduces risk.
Balanced growth potential.
Tata Nifty India Digital ETF FOF

Follows the digital sector index.
High risk due to sector focus.
Suitable for those with high risk tolerance.
Bandhan Financial Services Fund

Sector-specific fund focused on financial services.
High risk with potential high returns.
Suitable for aggressive investors.
Mirae Asset Multi Asset Allocation Fund

Invests in equity, debt, and other assets.
Balanced risk and return.
Good for moderate risk tolerance.
Recommendations
Diversification and Risk Management

Your current portfolio is diversified but has high sector concentration.

Reduce Sector-Specific Exposure: High concentration in specific sectors can be risky.
Increase Allocation in Diversified Funds: Multicap and multi-asset funds offer balanced growth and lower risk.
Actively Managed Funds vs. Index Funds

Actively managed funds aim to outperform the market.

Higher Potential Returns: Managed by experts who adjust based on market conditions.
Better Risk Management: Professionals make strategic decisions to mitigate risk.
Benefits of Regular Funds over Direct Funds

Direct funds lack professional guidance.

Expert Advice: Regular funds come with professional management.
Personalised Support: Certified Financial Planners provide valuable insights and adjustments.
Portfolio Adjustment Strategy
Continue with Balanced Funds

Tata Multicap Fund: Offers diversification and balanced growth.
Mirae Asset Multi Asset Allocation Fund: Provides stability with a mix of assets.
Reevaluate Sector Funds

HDFC Transportation and Logistics Fund: High risk; consider reducing allocation if risk tolerance is low.
Bandhan Financial Services Fund: High risk; reassess based on market conditions and risk tolerance.
Consider Alternatives to Index Funds

Tata Nifty India Digital ETF FOF: Sector-focused and passive; consider actively managed diversifed funds for better risk adjusted returns.
Regular Monitoring and Review
Review your portfolio every six months.

Assess Performance: Check fund performance and market conditions.
Seek Professional Guidance: Certified Financial Planners can provide insights and adjustments.
Final Insights
Your current portfolio has a mix of sector-specific and diversified funds.

Consider reducing exposure to high-risk sector funds.

Increase allocation in diversified and balanced funds.

Regularly review and adjust your investments with professional guidance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in